20.500.12556/DKUM-18770 KONKURENČNOST RAIFFEISENBANK LEIBNITZ EGEN IN NJENE PONUDBE NA SLOVENSKEM BANČNEM TRGU COMPETITIVENES OF RAIFFEISENBANK LEIBNITZ EGEN AND THEIR OFFER ON SLOVENIAN BANKING MARKET Slovenski bančni trg je deležen sprememb, ki so v veliki meri posledica vstopa Slovenije v Evropsko Unijo. Na podlagi Direktive Sveta Evropske Skupnosti lahko države članice opravljajo na območju Slovenije vzajemno priznane bančne storitve. Te lahko opravlja preko ustanovljene podružnice ali neposredno na bančnem trgu. Tako se na trgu pojavlja vedno več ponudnikov bančnih storitev in posledično narašča tudi konkurenca. Močan vpliv na konkurenco imajo številne direktive Evropske Unije, ki težijo k enotnemu trgu. Banke ponujajo enake bančne storitve, razlikujejo jih pogoji in cene. Pri primerjavi bančnih storitev sem ugotovila da se cene med slovenskimi ponudniki ne razlikujejo bistveno. Raiffeisenbank Leibnitz je na podlagi cen med manj ugodnimi ponudniki. Tudi paleta storitev Raiffeisenbank Leibnitz se v večji meri razlikuje od ponudbe slovenskih bank, kar gre pripisati temu da v večini svoje dejavnosti opravljajo na avstrijskem bančnem trgu. Svoje prednosti in s tem konkurenčnost mora poiskati v subjektivnih dejavnikih, ki jih težko določimo, saj so odvisni od vsakega posameznika. Ti dejavniki (zaposleni, okolje, tehnična podpora), ki definirajo bančni produkt, vplivajo na kakovost storitve in zadovoljstvo odjemalca storitve. In ravno ti dejavniki so razlikovalna lastnost med ponudniki bančnih storitev Slovenian banking market is going through changes, which are largely due to the entry of Slovenia into the European Union. On the basis of the directive of Council of the European Community can member states within the territory of Slovenia perform the mutually recognized banking services. These can be carried out through established branches or directly on the banking market. Therefore appears on the market more and more providers of banking services and consequently the competition is increasing. Strong impacts on the competition have also the directives of the European Union, which tend toward a single market. Banks offer the same banking services which vary by the terms and prices. When comparing banking services, I found out that the prices of Slovenian providers do not differ significantly. Comparing the prices, Raiffeisenbank Leibnitz is not under the inexpensive providers. Also the range of services of Raiffeisenbank Leibnitz is distinguishable from Slovenian banks, which can be attributed to the fact that most of its activities take place on the Austrian banking market. Raiffeisenbank Leibnitz has to find its advantages and the competitiveness in the subjective factors, which are difficult to determine because it dispense on each individual. These factors (employees, environment, technical support) that define a banking product, are affecting the quality of service and customer satisfaction service. Precisely these factors are the distinguishing feature between the providers of banking services. konkurenca v bančništvu SEPA Zakon o potrošniških kreditih Basel III bančna storitev oz. produkt osebni račun plačilne kartice varčevanje krediti naložbe zavarovanja elektronsko bančništvo competition in banking SEPA consumer credit act Basel III banking service or product personal account credit cards savings loan investments insurance electronic banking true true false [M. Leban] Slovenski jezik Angleški jezik Diplomsko delo 2011-05-31 13:08:21 2011-06-29 12:37:42 2022-04-13 11:01:28 2023-12-24 03:21:23 2011 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.71 10704412 URN:SI:UM:DK:CPK0GRQA UNI_Leban_Masa_2011.pdf UNI_Leban_Masa_2011.pdf 1 6B4E64950CF055C6229188EAB6AB1F28 b59e9ef9c926d88930b5660b2c4a3668145a55b7a311331e3022e2f6b7080640 35db5e4a-7c05-11eb-bb7a-00155d0001ca 20.500.12556/dkum/0fa70950-a1c7-433a-aa46-ae412caa889f https://dk.um.si/Dokument.php?lang=slv&id=22623 Ekonomsko-poslovna fakulteta 0 0 0